Liability for Injury on Motor Home Campsite
The insured has a motor home which he drives to a rented campsite for a weekend of pleasure. A third party trips and falls over personal property on the site. Where does the liability come from, auto or homeowners?
What about if the vehicle is a camper or travel trailer that does not carry liability? The camper is hauled to the campsite by a personal auto, unhooked from the vehicle and parked. Liability is extended from the vehicle while the camper is being trailered to the site. What happens when it is unhooked and used as a temporary location for insured occupancy and recreation? Does the HO 4/HO 3 respond?
Does the campsite meet the definition of an insured location, i.e.
This premium content is locked for FC&S Coverage Interpretation Subscribers
Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.
- Quality content from industry experts with over 60 years insurance experience, combined
- Customizable alerts of changes in relevant policies and trends
- Search and navigate Q&As to find answers to your specific questions
- Filter by article, discussion, analysis and more to find the exact information you’re looking for
- Continually updated to bring you the latest reports, trending topics, and coverage analysis
Already have an account? Sign In Now
For enterprise-wide or corporate access, please contact our Sales Department at 1-800-543-0874 or email [email protected]